Here is an excellent guide about how to build easily a LN bank with phoenixd and LNbits, on a simple PC or a VPS.

The biggest hurdle for Bitcoin Lightning users is often the sovereign self-management of their funds. Custody services like Wallet of Satoshi are ideal for getting started, but they are not self-managed solutions – we have to trust the provider. Running and managing your own Lightning node is not an option for most people. But what if a service provider could operate and manage the node while we still retain full control over our funds? This is exactly what the Phoenix Wallet from ACINQ now offers. And what if we could also set up a wallet and account system to provide a wallet for family and friends? This is where LNbits comes into play. LNbits effectively becomes your own Lightning Bank. But that’s not all – LNbits can do much more.